Why do you need to plan?


It is a well know adage that nothing is certain in life except death and taxes. Unfortunately for many, despite paying tax all throughout life, even more can be due on death, with inheritance tax currently charged at 40% of your taxable Estate.

Figures from HMRC show that Inheritance Tax receipts totalled approximately £5.2bn in 2017-18. Whilst this is a huge sum and represents an increase of 66% in just 5 years, with careful planning, much could be avoided.

Take a look at our Inheritance Tax calculator to see how much your Estate could be taxed by


Launch the Tax Calculator

What can you do to reduce tax?


There are many ways in which you can reduce your taxable Estate. Spending your wealth is an obvious option, but you’ll need to have nothing to show for it. Gifting money, either outright or to a Trust (should you wish to retain control) may also work, but will normally need to be at least 7 years prior to death to fall out of your Estate.

For those who do not wish to or are unable to gift money (usually because they need it themselves!), other options are available which enable you to retain control and access, as well as achieving inheritance tax savings in as little as 2 years.

Whatever the solution, it will need to fit with your own requirements for continuing income and access to capital, both now and for later life or long term care should it be required. Our professional planning service can help you understand how best to balance your own needs with the desire to leave as much as possible to your heirs and as little as possible to the taxman.

Our 6 steps of Financial Planning

We offer a professional transparent fee based financial planning service. This service is split in to six distinct stages...

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